September 30, 2025
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Top 10 Unsecured Business Loan lenders for Marketing Agencies in the UK

Discover the best unsecured business loan lenders for marketing agencies in the UK. Compare top options to fund your agency’s growth without putting up collateral.
James Laden
Co-founder and CEO

For UK franchise buyers and operators, this guide compares loan ranges, APRs, and terms across leading providers, with a focus on eligibility and fit. prices accurate as of 2025-09-30.

RankProviderSummaryLoan range; APR; Term
1Funding AgentFunding Agent provides tailored financial solutions to marketing agencies in the UK, offering unsecured business loans with flexible terms and competitive rates.£5,000–£250,000; 6.9%–24.9% APR; 0–0 months
2FleximizeFleximize caters to UK marketing agencies needing flexible financial options with unsecured loans up to £250,000.£5,000–£250,000; 10.2%–0% APR; 0–0 months
3CapifyCapify offers flexible financing to small businesses with unsecured loans up to £250,000, tailored to the needs of UK marketing agencies.£5,000–£250,000; 0%–67.89% APR; 0–0 months
4365 FinanceProviding innovative finance solutions, 365 Finance offers unrestricted business loans without fixed APRs, focusing on revenue-based financing.£10,000–£500,000; 0%–0% APR; 0–0 months
5BizcapBizcap provides fast, flexible business loans with quick approval times, serving diverse business needs in the marketing sector.£5,000–£750,000; 0%–0% APR; 0–0 months
6Shawbrook BankShawbrook Bank offers tailored business loans with fixed interest rates and flexible terms, catering to UK marketing agencies.£25,000–£150,000; 14.1%–14.1% APR; 0–0 months
7IwocaIwoca offers short-term business loans with competitive interest rates to help marketing agencies manage cash flow and growth.£1,000–£1,000,000; 6%–15% APR; 0–0 months
8Lloyds BankLloyds Bank provides flexible unsecured business loans with fixed APR rates, supporting UK SMEs including marketing agencies.£1,000–£50,000; 11.2%–11.2% APR; 0–0 months
9HSBCHSBC offers flexible business loans with competitive APR rates for SMEs, including marketing agencies, with a strong global presence.£25,000–£50,000; 5.8%–11.3% APR; 0–0 months
10BarclaysBarclays provides a range of business loans with both fixed and variable rates, supporting growth in marketing sectors in the UK.£1,000–£5,000; 11.2%–14.9% APR; 0–0 months

1. Funding Agent

Funding Agent provides tailored business finance solutions suitable for UK marketing firms seeking quick access to unsecured loans and flexible terms. They focus on simple, transparent funding options that suit many sizes of businesses. This provider is ideal for franchise buyers and operators looking for fast, tailored support with predictable repayment structures. Here are some key points:

Loan Details

  • Min Amount: £5,000
  • Max Amount: £250,000
  • Min APR: 6.9%
  • Max APR: 24.9%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Unsecured Business Loans
  • Industries: Marketing Agencies

Pros

  • Tailored financial solutions
  • Competitive APR rates

Cons

  • Limited to specific industries

Sources: https://www.fundingagent.co.uk/post/top-unsecured-business-loans-for-marketing-agencies-in-the-uk-2025

2. Fleximize

Fleximize offers flexible business loans suitable for UK marketing agencies requiring quick access to unsecured funding. They focus on fast, accessible solutions ideal for working capital needs, with options for secured or unsecured funding. Their products are well suited for businesses seeking high flexibility, often brokered via partnerships. Here’s what to know:

Loan Details

  • Min Amount: £5,000
  • Max Amount: £250,000
  • Min APR: 10.2%
  • Max APR: 0%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Unsecured Business Loans
  • Industries: Marketing Agencies, Retail

Pros

  • Flexible options
  • No early repayment fees

Cons

  • Higher minimum APR

Sources: https://www.fleximize.co.uk/

3. Capify

Capify specialises in flexible financing options for UK SMEs needing quick access to unsecured funds. They focus on asset finance, with options for secured and unsecured products suited for growth or refinancing. Their solutions are often brokered to match borrower needs for speed and flexibility. Here’s what to know:

Loan Details

  • Min Amount: £5,000
  • Max Amount: £250,000
  • Min APR: 0%
  • Max APR: 67.89%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Unsecured Business Loans
  • Industries: Marketing Agencies, Hospitality

Pros

  • Fast approval
  • High loan amounts

Cons

  • High maximum APR

Sources: https://www.capify.co.uk/annual-percentage-rate-apr-explained/

4. 365 Finance

365 Finance focuses on revenue-based finance solutions for UK SMEs seeking quick funding options. They offer flexible repayment structures tied to revenue rather than fixed interest. Their products are suited for dynamic businesses looking for adaptable finance without fixed APRs. Here’s what to know:

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Revenue-Based Financing
  • Industries: Marketing Agencies, Technology

Pros

  • No fixed APR
  • Flexible repayment

Cons

  • Complex fee structure

Sources: https://www.365finance.co.uk/

5. Bizcap

Bizcap provides fast, flexible business loans often suitable for UK companies looking for quick funding and flexible terms. They focus on straightforward approvals and short-term funding for growth or cash flow needs. Their solutions are suited for firms that want rapid access to capital, often brokered for speed. Here’s what to know:

Loan Details

  • Min Amount: £5,000
  • Max Amount: £750,000
  • Min APR: 0%
  • Max APR: 0%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Unsecured Business Loans
  • Industries: Marketing Agencies, Retail

Pros

  • Rapid funding
  • Flexible terms

Cons

  • Unspecified APR

Sources: https://www.bizcap.co.uk/

6. Shawbrook Bank

Shawbrook Bank offers tailored business loans suited to UK marketing firms, focusing on fixed-term options with fixed or variable interest rates. They typically cater to growth, refinance, or asset-backed funding needs. Their offerings are often brokered to match the specific speed and security requirements of borrowers. Here’s what to know:

Loan Details

  • Min Amount: £25,000
  • Max Amount: £150,000
  • Min APR: 14.1%
  • Max APR: 14.1%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Unsecured Business Loans
  • Industries: Marketing Agencies, SMEs

Pros

  • Fixed rates
  • Flexible terms

Cons

  • High minimum loan amount

Sources: https://www.shawbrook.co.uk/business/business-lending/

7. Iwoca

Iwoca offers fast, short-term business loans that focus on quick access to capital for UK SMEs. They often cater to businesses with immediate cash flow needs or growth plans. Their loan products include options for unsecured and, occasionally, secured funding, with an emphasis on speed and flexible repayment. Here’s what to know:

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 6%
  • Max APR: 15%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Unsecured Business Loans, Short-Term Loans
  • Industries: Marketing Agencies, Retail

Pros

  • Quick decision
  • No early repayment fees

Cons

  • Short loan terms

Sources: https://www.iwoca.co.uk/

8. Lloyds Bank

Lloyds Bank offers flexible unsecured business loans with fixed APR, often targeting UK SMEs including marketing firms. They support funding needs from small working capital to larger expansions. Their offerings are brokered heavily and focus on quick, tailored solutions with clear repayment options. Here’s what to know:

Loan Details

  • Min Amount: £1,000
  • Max Amount: £50,000
  • Min APR: 11.2%
  • Max APR: 11.2%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Unsecured Business Loans
  • Industries: Marketing Agencies, Various SMEs

Pros

  • Fixed APR
  • Established bank

Cons

  • Limited to low amounts

Sources: https://lloydsbank.co.uk/business/business-loans.html

9. HSBC

HSBC provides flexible business loans suitable for UK SMEs, including marketing agencies. They typically focus on working capital, refinancing or growth finance. Their products include unsecured options with competitive pricing and often brokered through large networks. These loans support sectors with global or local reach. Here’s what to know:

Loan Details

  • Min Amount: £25,000
  • Max Amount: £50,000
  • Min APR: 5.8%
  • Max APR: 11.3%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Unsecured Business Loans
  • Industries: Marketing Agencies, Global SMEs

Pros

  • Competitive APR
  • Global presence

Cons

  • Higher minimum amounts

Sources: https://www.hsbc.co.uk/loans/

10. Barclays

Barclays offers a broad product range for UK SMEs including marketing firms, focusing on flexible repayment terms and competitive rates. They support borrower needs for short or long-term funding, with solutions often brokered via established relationships. Their offerings include fixed and variable rate options suited to different assets and cash flow profiles. Here’s what to know:

Loan Details

  • Min Amount: £1,000
  • Max Amount: £5,000
  • Min APR: 11.2%
  • Max APR: 14.9%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Unsecured Business Loans
  • Industries: Marketing Agencies, Various SMEs

Pros

  • Flexible repayment
  • Wide range of options

Cons

  • Higher APR

Sources: https://www.barclays.co.uk/business-banking/borrow/loans/

How to choose

When selecting a loan, consider LTV ratios, the borrower’s ability to meet DSCR or affordability criteria, and whether rates are fixed or variable. Review the fees involved, including arrangement, valuation, and legal costs, and check early repayment charges and personal guarantees. Match the term length to your asset’s expected life and your cash flow cycle. Always verify eligibility criteria and required documentation to ensure smooth approval.

Conclusion

Matching your lender to your needs involves understanding whether a bank, broker, or specialist provider best suits your purpose. Always compare the total cost of credit, including rates and fees. Shortlisting providers based on eligibility and service model can streamline decision-making. Funding Agent is a strong choice for SMEs that want quick comparisons across multiple options. Other providers suit larger amounts, asset-backed needs, or sector specialisms. Always confirm current costs and terms with the lender; pricing may change.

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